Veteran with service-connected disability rating, VA disability compensation (tax-free), CRDP or CRSC, VA healthcare, and adaptive housing grant.
MV-03 is the testing surface where a portion of household income is statutorily tax-free, the CRDP/CRSC offset rules govern pension interaction, and adaptive-housing grants and VA healthcare displace conventional benefits assumptions.
MV-03 represents a veteran household built around service-connected disability compensation rather than around employment income alone. Two structural facts dominate the modeling problem. First, VA disability compensation is excluded from gross income under 38 USC §5301 and IRC §104(a)(4) — it does not appear on a W-2 or 1099, does not count for AGI, does not count for ACA premium tax credits in the standard way, and is protected from most garnishment. Software that infers benefits eligibility from AGI alone will systematically underestimate this household's true cash flow. Second, for retirees with both a military pension and a disability rating, Concurrent Retirement and Disability Pay (CRDP) restores the dollar-for-dollar offset for ratings of 50% or higher, while Combat-Related Special Compensation (CRSC) handles the combat-connected subset under a different formula. Both run in parallel with regular Social Security Disability Insurance eligibility when applicable, creating a multi-stream income picture no civilian disability archetype reproduces.
The cash-flow story is one of stability anchored by an inflation-indexed federal stream, alongside earned income that may be limited by the disability itself or by Total Disability based on Individual Unemployability (TDIU) status. Median combined income is $98k with $211k net worth, 46% are homeowners, and 77% carry dependents — a meaningfully higher dependent-load than MV-02 — reflecting the family structure of veterans receiving compensation with dependents added to the rating. Education funding appears in 10 of 13 households, often because Post-9/11 GI Bill transferability and Chapter 35 Dependents' Educational Assistance create real funding paths the planning software needs to recognize as assets.
What distinguishes MV-03 from the rest of the disability and military cohorts is the specific federal-benefit braid: VA disability compensation (tax-free, inflation-indexed, with dependents adjustment), CRDP or CRSC interactions with any military retirement pay, VA healthcare in place of (or alongside) Medicare/employer plans, adaptive-housing grants (SAH/SHA) that change the home-financing surface, and property-tax exemptions in many states for veterans at 100% or TDIU. None of those features appear on a civilian SSDI household, and none of them appear in MV-02's pension-and-TSP-only signature.
Aggregated across the 13 MV-03 households in the shipped v3 corpus corpus. Numbers describe the corpus, not population claims.
Justin and Rachel are at the upper end of the MV-03 net-worth distribution ($398k vs corpus median $211k) and an outlier age (53/51) — the post-service second-career profile rather than the early-rating case. Combined reported income of $98k almost certainly understates true cash flow because tax-free VA disability compensation is not included; this is the diagnostic bug surface for any software that treats AGI as a proxy for spending capacity. On track for a $66k home purchase, behind on a $704k education-funding target (likely GI Bill transferability is the missing asset).
Every MV-03 household ships with — at minimum — these JSON fields populated. The full schema is documented in the data set you purchase.
Veteran-serving financial institutions and VA-lender platforms use MV-03 to validate underwriting logic that has to recognize tax-free disability income as qualifying without converting it through the standard gross-up rules. Benefits-eligibility software for ACA marketplace plans, Medicaid, and state property-tax exemptions tests against this corpus to catch the VA-compensation-is-not-AGI bug. Tax-preparation vendors use MV-03 to exercise the §104(a)(4) exclusion path, CRDP/CRSC reporting on Form 1099-R from DFAS, and the interaction with SBP elections when the veteran is also a military retiree.
MV-03 is calibrated to veterans with a service-connected rating that materially affects cash flow and benefits eligibility — typically 30% and higher, with the corpus weighted toward 50%+ where CRDP triggers. It is not the active-duty enlisted formation household (F-05) and it is not the career officer pension case (MV-02), even though some MV-03 households also draw a pension. Civilian disability cases — private LTD policies, SSDI without VA, workers' compensation — belong in HC-02, which has a completely different tax surface (LTD often taxable, SSDI sometimes taxable above thresholds). Households built on a survivor's benefit (DIC) rather than the veteran's own compensation are out of scope; H-04 is closer for widow/widower planning, though without the federal-benefits braid.
Compensation amounts during v3 synthesis were anchored to published VA disability compensation tables for each rating tier (10%–100%) with dependent adjustments per the 38 CFR Part 3 schedule, and total household income reflects the addition of earned wages from employment subject to TDIU constraints where modeled. State distribution leans toward TX, MN, and CO — three states with meaningful veteran populations and a mix of property-tax-exemption regimes useful for testing. The corpus does not model rating changes over time, TDIU adjudication events, or appeals (BVA / Court of Appeals for Veterans Claims) — those are dynamic conditions a buyer would layer on. Per CLAUDE.md §9 the v3 corpus is frozen and not regenerable from current code.
MV-02 is the career-officer cohort with BRS pension and TSP as the primary balance-sheet anchor and no material disability rating. Use MV-02 when the testing focus is pension-and-TSP without tax-free disability compensation.
F-05 is active-duty enlisted in the formation phase — no disability rating, no separation yet, and benefits flow through active-duty channels rather than the VA system.
HC-02 covers civilian disability (SSDI / private LTD) — same disability-income theme but completely different tax treatment, no VA healthcare braid, and no CRDP/CRSC surface.
U-02 is the low-income working family without the VA benefits braid — useful for distinguishing AGI-based eligibility logic that misclassifies MV-03 households as means-tested when they aren't.
MV-03 — Disabled Veteran represents a veteran household where service-connected disability compensation is a material component of household cash flow. The corpus captures the federal-benefits braid (VA compensation, CRDP/CRSC if applicable, VA healthcare, adaptive housing grants, state property-tax exemptions) that distinguishes this household from a civilian disability case.
No. VA disability compensation is excluded from gross income under IRC §104(a)(4) and is reflected in the corpus as a non-taxable cash-flow component. Buyers whose software uses AGI as a proxy for total income should validate against this corpus to catch the under-counting bug.
HC-02 is the civilian disability case: Social Security Disability Insurance and/or a private long-term disability policy, with no VA system involvement. Tax treatment differs (SSDI partially taxable above income thresholds, LTD often fully taxable, VA disability compensation tax-free), and the healthcare picture differs (Medicare after 24 months on SSDI vs VA Priority Group assignment). Choose MV-03 when the federal-benefits braid is the testing surface.
The corpus represents households where the election has been made and the resulting income stream is stable; it does not encode the year-by-year comparison logic needed for the election decision itself. Software building the election-comparison tool should use MV-03 as a balance-sheet starting point and layer the comparison engine on top.
MV-03 is tagged for B04, B14, B18, B23, B25, and B27 — covering cash-flow / debt, employee-benefits-adjacent scenarios, insurance, healthcare, military-specific testing, and behavioral overlays. See the right-hand sidebar for the bundles that ship MV-03 households.
No. The shipped 1,451-household v3 corpus is frozen as of synthesis; drift was confirmed on 2026-05-09. Per CLAUDE.md §9, v3 MV-03 households should be treated as a static reference dataset rather than as a regenerable output.
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